We have had to cancel/file a claim at least twice that I remember..the first when Parrot Pop came down with bleeding ulcers and was hospitalized just before a trip...and the second that comes to memory is a Colles fractured wrist on a ship where after the regular insurance covered it including surgery the travel insurance paid for the physical therapy, etc. and I don't remember what the third one was, but there was...this was about 20years ago.. We were recompensated without any problems.